Abstract: A method of performing micro-transactions to pay-off a debt that is used to automatically withdraw funds from an external withdrawal account and deposit said funds into an external deposit account at the end of a given financial transaction. The method is used to track the financial transactions made by multiple users via multiple financial accounts. The method is designed to determine the specific user responsible for making a given financial transaction. Additionally, the method determines the external withdrawal account used by the user to complete the financial transaction. Once the user and withdrawal account are determined, the method executes a savings transaction process to perform a micro-transaction and deposit a supplementary savings amount into the appropriate external deposit account.